Brown County, KS Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 476 mortgage applications in Brown County, KS totaling $33.5 million, down 6% from 2007. The average application was for $70,000, and applicants reported an average income of $51,000. 50% of applications resulted in an originated loan and 35% were denied. The most active lender was Gnb Mortgage Company Inc, with 110 applications, followed by Bank of Blue Valley and Gnbank, National Association.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 476 |
| Total Mortgage Loan Application Amount | $33,506,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $736,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $277,000 |
Top Mortgage Lenders in Brown County, KS (2008)
Ranked by the number of mortgage applications each lender reported in Brown County, KS in 2008.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gnb Mortgage Company Inc Horton, KS |
110 | $8,512,000 | $77,000 | $48,000 |
| 2 | Bank of Blue Valley Merriam, KS |
107 | $8,064,000 | $75,000 | $49,000 |
| 3 | Gnbank, National Association Girard, KS |
47 | $2,029,000 | $43,000 | $62,000 |
| 4 | Beneficial Company LLC Mettawa, IL |
36 | $2,531,000 | $70,000 | $59,000 |
| 5 | United Bank of Kansas Lenexa, KS |
18 | $803,000 | $44,000 | $22,000 |
| 6 | Countrywide Bank FSB Westlake Village, CA |
15 | $1,270,000 | $84,000 | $53,000 |
| 7 | Embrace Home Loans, Inc. Middletown, RI |
15 | $1,451,000 | $96,000 | $55,000 |
| 8 | Gmac Mortgage LLC Ft. Washington, PA |
15 | $1,110,000 | $74,000 | $51,000 |
| 9 | Wells Fargo Bank, NA Des Moines, IA |
13 | $832,000 | $64,000 | $49,000 |
| 10 | Capital One NA Baton Rouge, LA |
9 | $141,000 | $15,000 | $62,000 |
The tables below break down 2008 mortgage applications in Brown County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Brown County, KS in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 240 | $20,772,000 | $86,000 | $736,000 | $57,000 | $277,000 |
| Home Purchase | 174 | $10,697,000 | $61,000 | $190,000 | $43,000 | $170,000 |
| Home Improvement | 62 | $2,037,000 | $32,000 | $164,000 | $49,000 | $159,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 370 | $25,871,000 | $69,000 | $398,000 | $53,000 | $277,000 |
| Not Provided | 49 | $3,726,000 | $76,000 | $210,000 | $53,000 | $168,000 |
| American Indian or Alaskan Native | 21 | $882,000 | $42,000 | $88,000 | $42,000 | $159,000 |
| Not applicable | 16 | $1,822,000 | $113,000 | $736,000 | $0 | $0 |
| Hispanic | 10 | $595,000 | $59,000 | $150,000 | $49,000 | $136,000 |
| Black or African American | 7 | $460,000 | $65,000 | $125,000 | $28,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $81,000 | $40,000 | $41,000 | $71,000 | $103,000 |
| Asian | 1 | $69,000 | $69,000 | $69,000 | $100,000 | $100,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 365 | $24,997,000 | $68,000 | $736,000 | $54,000 | $277,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $3,579,000 | $57,000 | $115,000 | $32,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 49 | $4,930,000 | $100,000 | $255,000 | $49,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 238 | $16,898,000 | $71,000 | $736,000 | $53,000 | $277,000 |
| Application Denied By Financial Institution | 168 | $11,143,000 | $66,000 | $243,000 | $46,000 | $170,000 |
| Application Withdrawn By Applicant | 39 | $3,329,000 | $85,000 | $261,000 | $64,000 | $155,000 |
| Application Approved But Not Accepted | 14 | $933,000 | $66,000 | $160,000 | $51,000 | $96,000 |
| Loan Purchased By The Institution | 13 | $938,000 | $72,000 | $158,000 | $26,000 | $79,000 |
| File Closed For Incompleteness | 4 | $265,000 | $66,000 | $84,000 | $79,000 | $168,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 70 | $3,182,000 | $45,000 | $143,000 | $36,000 | $81,000 |
| Other | 19 | $1,631,000 | $85,000 | $243,000 | $48,000 | $103,000 |
| Debt-To-Income Ratio | 11 | $987,000 | $89,000 | $210,000 | $57,000 | $170,000 |
| Collateral | 10 | $852,000 | $85,000 | $159,000 | $54,000 | $115,000 |
| Employment History | 2 | $166,000 | $83,000 | $116,000 | $23,000 | $29,000 |
| Unverifiable Information | 1 | $73,000 | $73,000 | $73,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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